The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$2,717
−HK$171/mo
▼ 0.25% · 3.875%
HK$2,802
−HK$86/mo
Today · 4.125%
HK$2,888
baseline
▲ 0.50% · 4.625%
HK$3,063
+HK$175/mo
Deposit HK$596K · loan HK$596K · min. income ≈ HK$5,776/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,023
−HK$163/mo
▼ 0.25% · 3.875%
HK$3,104
−HK$82/mo
Today · 4.125%
HK$3,186
baseline
▲ 0.50% · 4.625%
HK$3,354
+HK$168/mo
Deposit HK$596K · loan HK$596K · min. income ≈ HK$6,372/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,261
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,362
−HK$103/mo
Today · 4.125%
HK$3,465
baseline
▲ 0.50% · 4.625%
HK$3,676
+HK$211/mo
Deposit HK$477K · loan HK$715K · min. income ≈ HK$6,930/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,627
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,725
−HK$98/mo
Today · 4.125%
HK$3,823
baseline
▲ 0.50% · 4.625%
HK$4,025
+HK$202/mo
Deposit HK$477K · loan HK$715K · min. income ≈ HK$7,646/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,804
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,922
−HK$121/mo
Today · 4.125%
HK$4,043
baseline
▲ 0.50% · 4.625%
HK$4,289
+HK$246/mo
Deposit HK$357K · loan HK$834K · min. income ≈ HK$8,086/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,232
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,345
−HK$116/mo
Today · 4.125%
HK$4,461
baseline
▲ 0.50% · 4.625%
HK$4,696
+HK$235/mo
Deposit HK$357K · loan HK$834K · min. income ≈ HK$8,922/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,891
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$155/mo
Today · 4.125%
HK$5,198
baseline
▲ 0.50% · 4.625%
HK$5,514
+HK$316/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$10,396/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,441
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,587
−HK$148/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,037
+HK$302/mo
Deposit HK$119K · loan HK$1.07M · min. income ≈ HK$11,470/mo (50% DSR)
Upfront cash ≈ HK$119K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).